Disputing a Medical Bill in
Delaware
Medical Billing Laws, Consumer Protections & Information
Delaware
The State of Delaware gives consumer protections and has other laws and regulations for patients receiving care from, or otherwise being billed by, a provider in the state. Here are some of the most important state-specific laws and protections related to medical billing in Delaware.
CREDIT REPORTING PROTECTIONS
No provider, medical creditor or medical debt collector may report any information to any consumer credit reporting agency regarding medical debt for the later of (i) 1 year following the date when the consumer was first given a bill for medical debt, or (ii) 3 months following the date of the most recent payment made towards a payment plan on medical debt.s.
PAYMENT PLANS
Delaware large health care facilities must offer payment plans on medical debt above $500. Such payment plans may not require a monthly payment amount more than 5% of the patient's gross monthly income.
INTEREST ON MEDICAL DEBT
Large health care facilities and medical debt collectors may not charge interest or late fees on medical debt.
PRICE TRANSPARENCY
0%
No hospitals in
Delaware are compliant with the federal Hospital Price Transparency Rule requiring hospitals to publish their prices, according to an independent audit. If you received a bill from a non-compliant hospital, that can be a reason to dispute the bill.
MEDICAL DEBT IN
DELAWARE
8.9%
8.9% of people in Delaware report having medical debt in a given year, on average.
HOSPITAL PRICES
3.1 x cost
The average hospital in
Delaware charges 3.1 times what it costs to render the services. That means for every $100 in cost, it bills $310, of which $210 is profit.
Medical Billing Laws & Consumer Protections
All of U.S.
These federal laws and consumer protections apply to
all 50 U.S. states and the District of Columbia.
NO SURPRISE BILLING
The No Surprises Act protects people using insurance from receiving surprise medical bills when they receive most emergency services, non-emergency services from out-of-network providers at in-network facilities, and services from out-of-network air ambulance service providers.
GOOD FAITH ESTIMATE
A medical provider must issue a Good Faith Estimate in advance of services to a patient not using insurance. The Good Faith Estimate is a disclosure of expected services to be rendered and their charges.
BALANCE BILLING - EMERGENCY
A provider may not bill an insured patient for emergency services above the in-network payment responsibilities (coinsurance, deductible, copayment) under insurance benefits.
BALANCE BILLING - AT AN IN NETWORK FACILITY
For services an insured patient receives while visiting a participating hospital or facility, a provider may not bill the patient above the in-network payment responsibilities (coinsurance, deductible, copayment) under insurance benefits.
COLLECTIONS PROTECTIONS
The three nationwide credit reporting companies – Equifax, Experian, and TransUnion – do not include medical debts (1) below $500, or (2) less than a year old on consumer credit reports.
Dispute your problem medical bill now.
You have so much to gain by finding out if Patient Fairness can help with your problem medical bill. Complete the Problem Medical Bill Assessment and we'll tell you if we identified opportunities to question and/or dispute the medical bill. We'll even suggest some ways to dispute or reduce the medical bill if we can't help.